Like most people, we want value and security when purchasing a product or service. Now that you are on Medicare or approaching age 65, that's no different when you consider your Medicare Insurance options. Planning for healthcare costs is especially important when we are older. It helps ensure that you have the coverage you need while protecting yourself financially against unexpected healthcare expenses. Though Medicare will be the anchor of your coverage, it will not pay for all the expenses. Depending on your health and financial situation, out-of-pocket costs can add up into a significant dollar amount. That’s why it is important to meet with an experienced, Independent Insurance Broker to learn about your Medicare rights & options.

To start, here's what you should know:

Anyone is eligible to enroll in Medicare when they turn 65 and are US citizens or legal residents. Enrollment is automatic through Social Security Administration if you receive Social Security benefits prior to turning 65. If you do not receive Social Security benefits yet, you will need to apply for Medicare. Please contact me before your 65th birthday and I will help you with Medicare Parts A and B enrollment. I'm proud to offer a wide variety of Medicare coverage options. Whether it's a Medicare Supplement, a Medicare Advantage plan, or a stand-alone Prescription Drug plan (Part D), I will find the plan that's right for you. My service is free of charge to you.

Please call me with your questions at (602) 616-7772.
(Calling the number above will direct you to a Licensed Insurance Agent)

When can you enroll in a Medicare Advantage or Prescription drug plan?

INITIAL ENROLLMENT PERIOD:

• Enrolled in Part A and Part B automatically if receiving Social Security or Railroad Retirement Board (RRB) benefits at age 65, or after receiving Social Security disability benefits for 24 months

• Enroll yourself if not receiving SSA benefits (go to SSA.gov or local office)

• Enroll early to avoid gaps in coverage and late Enrollment penalties

• May refuse or delay enrollment in Part B

• May enroll in a Medicare Advantage or a Medigap and a Prescription Drug plan

Annual Enrollment Period, October 15 – December 7
During this time, you can add, drop or switch to a different Medicare plan.

Medicare Advantage Open Enrollment Period, January 1 – March 31
If you are already a Medicare Advantage plan member, you may disenroll from your current plan and switch to a different Medicare Advantage plan one time only during this period.

Special Enrollment Periods:
Depending on certain circumstances, you may be able to enroll in a Medicare plan outside of the Initial Enrollment or Annual Enrollment periods. You may qualify for a Special Enrollment Period if you:

• Retire and lose your employer coverage

• Move out of the plan’s service area

• Receive assistance from the state (AHCCCS)

• Have been diagnosed with certain qualifying disabilities or chronic health conditions

• Qualify for Extra Help